NSC Calculator
Estimate five-year National Savings Certificate maturity with an adjustable annual-compounding rate; understand taxable interest and old-regime 80C reinvestment.
உங்கள் முடிவைக் கணக்கிடுங்கள்
உங்கள் எண்களை உள்ளிடுங்கள். மாற்றும்போது மதிப்பீடும் வரைபடங்களும் புதுப்பிக்கும்.
தேசிய சேமிப்பு சான்றிதழ்
காலம் 5 ஆண்டுகளில் நிர்ணயம். ஆண்டுகள் 1–4 இல் மறுமுதலீடு செய்யப்பட்ட வட்டி 80C-க்கு தகுதி பெறுகிறது.
இயல்புநிலை விகிதங்கள் ஜூலை–செப்டம்பர் 2026 காலத்திற்கு மட்டுமே சரிபார்க்கப்பட்டன. அக்டோபர்–டிசம்பர் 2026 விகிதங்கள் சரிபார்க்கப்படவில்லை; கணக்கு தொடங்கும் தேதிக்கான விகிதத்தை உறுதிப்படுத்தவும். எதிர்கால விகிதங்கள் மாறலாம்.
- முதிர்வு (ஆண்டு 5)
- ₹1,44,903
- ₹1.45L
- வைப்பு செய்யப்பட்டது
- ₹1,00,000
- ஈட்டிய வட்டி
- ₹44,903
உங்கள் கணக்குகள் சொல்வது என்ன
Your ₹1,00,000 earns ₹44,903 in 5 years, a 44.9% total gain.
The rate is locked in when you buy the certificate, so later rate cuts won't change this maturity amount.
After 6% inflation, your real return is about 1.6% a year.
That is a small real gain with no market risk; interest is taxable at your slab, so the after-tax figure is lower.
At this rate, your money would double in about 9.4 years.
Based on the rule of 72 (72 ÷ interest rate), a quick way to estimate doubling time.
₹1,00,000 of this deposit can be claimed under Section 80C.
Only in the old tax regime, and within the overall ₹1.5 lakh 80C limit shared with PF, ELSS, insurance and others.
5 ஆண்டுகளில் NSC மதிப்பு வளர்ச்சி
மதிப்பிடப்பட்ட மதிப்பு, முதலீட்டுத் தொகை ஒப்பீடு. தொகைகள் ரூபாயில்.
வரைபடத் தரவைக் காண்க
| ஆண்டு | முதலீட்டுத் தொகை | மதிப்பிடப்பட்ட மதிப்பு |
|---|---|---|
| 0 | — | ₹1,00,000 |
| 1 | ₹1,00,000 | ₹1,07,700 |
| 2 | ₹1,00,000 | ₹1,15,993 |
| 3 | ₹1,00,000 | ₹1,24,924 |
| 4 | ₹1,00,000 | ₹1,34,544 |
| 5 | ₹1,00,000 | ₹1,44,903 |
உங்கள் கணக்கீட்டைப் புரிந்துகொள்ளுங்கள்
NSC is a five-year cumulative government savings deposit. Its interest compounds annually at the rate locked on purchase; the default 7.7 percent is verified for July–September 2026, not October–December. All interest is taxable as it accrues. Reinvested interest in the first four years may qualify for Section 80C under the old regime, subject to available deduction headroom.
NSC Calculator ஏன் பயன்படுத்த வேண்டும்
NSC offers a government-backed, five-year locked return without a deposit ceiling. The calculator separates principal from gross interest so you can compare it with PPF, SCSS and FD. Any Section 80C benefit depends on the old regime and available deduction headroom; the calculator does not compute your tax saving.
ஒரே பார்வையில் நன்மைகள்
Maturity at the locked rate
The purchase-date rate stays for the five-year tenure. The 7.7 percent default is verified for July–September 2026 only; confirm the current opening-date notification. This model compounds annually and shows gross maturity before tax.
Section 80C friendly each year
Interest is taxable every year. Reinvestment in years one to four can qualify for an old-regime Section 80C deduction, but only within the shared ₹1,50,000 limit. There is no offset if that limit is exhausted or the new regime applies.
Sovereign safety, fixed tenure
NSC carries the Government of India guarantee. There is no market risk and no surprise on maturity. Useful for short term goals five years out.
No annual deposit cap
Unlike PPF's ₹1,50,000 ceiling, you can buy NSC for any amount in multiples of ₹100. Only the 80C cap of ₹1,50,000 limits the tax benefit.
Free, private and instant
Inputs never leave your browser. No login, no tracking, no email collection.
NSC Calculator ஐ எவ்வாறு பயன்படுத்துவது
- 1
Enter the deposit amount
Any amount from ₹1,000 onwards in multiples of ₹100. There is no upper limit. To maximise the 80C benefit, most savers cap NSC purchases so the cumulative 80C usage stays at ₹1,50,000.
- 2
Confirm the tenure
NSC has a fixed five year tenure. The calculator does not allow shorter or longer terms because the instrument itself does not.
- 3
Adjust the interest rate if needed
7.7 percent is verified for July–September 2026 only. Confirm the notification applicable on the purchase date; the contracted rate is then locked for five years.
- 4
Read the maturity
The maturity card shows gross principal plus compounded interest; the chart shows growth, not a tax-reinvestment table. Report annual interest and claim any permitted old-regime deduction separately. Scheme maturity is rounded to the nearest rupee.
உதாரணம்
₹1,00,000 in NSC at 7.7%
Using `1,00,000 × 1.077^5`, the value grows to ₹1,07,700 after year one, ₹1,15,993 after year two, ₹1,24,924 after year three and ₹1,34,544 after year four, then matures at ₹1,44,903. That's ₹44,903 of gross interest, all taxable. A ₹1,50,000 certificate at the same rate matures at ₹2,17,355.
- Deposit
- ₹1,00,000
- Rate and tenure
- 7.7%, 5 years, compounded annually
- Interest accrued in year one
- ₹7,700
- Gross interest
- ₹44,903
- Maturity value
- ₹1,44,903
The yearly accruals (₹7,700, then ₹8,293 and so on) are what you report as income each year, even though nothing is paid out until maturity.
எவ்வாறு கணக்கிடப்படுகிறது
The calculator uses the standard compound-interest formula with yearly compounding: maturity = P × (1 + r)^5, where P is the deposit and r is the annual rate ÷ 100. The tenure is fixed at five years. The value at the end of each year, P × (1 + r)^y, drives the chart.
Only the final maturity is rounded to the nearest rupee; gross interest is then maturity − P. There's no tax, TDS or 80C adjustment in the figure. The interest accrued each year is the difference between consecutive year-end values, which is the amount you'd report as income for that year.
அடிக்கடி கேட்கப்படும் கேள்விகள்
What is the current NSC interest rate?
The rate verified here is 7.7 percent for July–September 2026. October–December 2026 has not been verified. The Ministry of Finance notifies rates quarterly; the purchase-date rate is locked for five years.
Is NSC eligible for Section 80C?
Under the old regime, principal can qualify in the purchase year and reinvested interest in years one to four can qualify in their accrual years, all within the shared ₹1,50,000 limit. Every year's interest is taxable; final-year interest is not reinvested and has no reinvestment deduction.
Is NSC interest taxable?
Yes, every year's accrued interest is taxable as income from other sources. Years one to four may also qualify for Section 80C reinvestment deduction under the old regime if you have headroom. No deduction arises merely because the interest was reinvested under the new regime or when 80C is exhausted. NSC interest ordinarily has no TDS.
Can I withdraw NSC before maturity?
Premature withdrawal is allowed only in limited cases: death of the holder, forfeiture by a pledgee, or order of a court. In normal circumstances NSC must run the full five years. This is the trade off for the locked rate.
NSC versus PPF, which is better?
PPF has a longer initial term, a contribution cap, and tax-exempt interest and maturity. NSC has a five-year locked rate and no deposit ceiling, but interest is taxable annually; any old-regime 80C reinvestment deduction is subject to available headroom. Compare both on after-tax return and liquidity.
Can NSC be pledged for a loan?
Yes. Banks accept NSC certificates as collateral for loans, typically up to seventy five percent of the face value. Useful if you need short term liquidity without breaking the certificate.
Can NRIs buy NSC?
No. NSC is restricted to resident Indian individuals. Existing NSCs purchased while resident continue to maturity, but no new NSC can be bought after becoming an NRI.
இறுதியாக
NSC is a five-year government savings deposit with annual compounding and taxable interest. Use the gross maturity projection to plan a goal, then consider your annual tax and any permitted old-regime reinvestment deduction. Verify the opening-date rate and account terms before investing.
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